Mashvisor – Helps compare long-term vs. short-term rental potential, especially useful if you’re weighing both options. 4.

Is the option government supplied insurance where taxes supplement the insurance?  

You might have other options to explore to drum up liquidity (HELOC, Margin Loan, Policy Loan, etc) that can supplement your HYSA in the DP.

Assuming they're telling the truth what are my options.

Transportation options are plentiful.

Options - collect full payment for the 3 months up front and lower the deposit to secure against damages only, require insurance.

However, Allstate is capping their landlord insurance at $750,000, which creates a coverage gap I need to address.I’m looking for options to add at least an additional $750,000 in coverage and am wondering if anyone has experience with Difference in Conditions (DIC) coverage or Excess and Surplus policies.

Your suggestion to list on open market likely is the best option for the OP.  

In a prior post from about 2 months ago, Kerry Malarkey and Nathan Gesner mentioned a small landlord is exempt from FHA requirements requiring the acceptance of emotional support & assistance animals if one of the...

However, if you want long-term stability and predictable payments, refinancing might be a better option, especially for larger projects.